Privacy Policy

Last Updated: March 28, 2025

1. Information We Collect

We collect various types of information when you visit our website, contact us by phone, or otherwise interact with our Services:

Information You Provide Directly:

• Full legal name
• Telephone number (home, mobile, and/or work)
• Email address
• Mailing address and residential address
• Date of birth
• Estimated debt amounts, types of debt held, or loan amounts requested
• Employment status and estimated income range
• General financial information you share during a consultation (e.g., credit score range, financial goals, homeownership status)
• Any other information you voluntarily provide during communication with our team

Information Collected Automatically:

• IP address and approximate geolocation
• Browser type, version, and language preferences
• Device type, operating system, and screen resolution
• Pages visited on our website and time spent on each page
• Date, time, and duration of visits
• Referring website URL or advertising source
• Click-stream data and navigation patterns
• Cookies, web beacons, pixels, and similar tracking technologies (see Section 6)

2. How We Use Your Information

We use the information we collect for the following business purposes:

• Referral and Matching: To evaluate your financial needs and connect you with appropriate third-party lenders, debt consolidation companies, or other financial service providers from our partner network.
• Communication: To respond to your inquiries, provide customer support, send you information about the services you've requested, and follow up regarding your experience.
• Service Improvement: To analyze website usage patterns, improve our matching algorithms and processes, and enhance the overall user experience.
• Legal Compliance: To comply with applicable federal, state, and local legal requirements and to enforce our Terms of Service.
• Marketing: With your consent where required, to send you information about services, promotions, or offers that may be relevant to your financial needs. You may opt out of marketing communications at any time.
• Fraud Prevention: To detect, prevent, and address fraud, security issues, and technical problems.

3. How We Share Your Information

As a referral and matching service, sharing your information with our partner network is a core and necessary part of how we operate. We may share your personal information with the following categories of recipients:

• Lending Partners: Third-party lenders who may offer you personal loans, debt consolidation loans, or other consumer credit products. These partners will use your information to evaluate your eligibility and present you with offers.
• Debt Consolidation and Relief Companies: Third-party debt consolidation and debt relief providers who may offer programs to help you manage, reduce, or settle your outstanding debts.
• Service Providers: Third parties who provide services on our behalf, such as website hosting, cloud infrastructure, analytics providers, customer support platforms, CRM systems, and communication tools. These providers are contractually obligated to use your information only for the purposes of providing services to us.
• Legal Obligations: When required by law, court order, subpoena, or governmental authority, or when we reasonably believe disclosure is necessary to protect our legal rights, your safety, or the safety of others, or to investigate suspected fraud or violations of our Terms.
• Business Transfers: In connection with a merger, acquisition, reorganization, sale of assets, or bankruptcy proceeding involving all or a portion of our business.

Important: Once your information is shared with a third-party partner, their use of your information is governed by their own privacy policy—not ours. We strongly encourage you to review the privacy policy of any partner before sharing additional information or entering into any agreement with them.

4. Your Choices and Rights

You have the following rights regarding your personal information:

• Opt Out of Marketing: You may opt out of receiving marketing communications from us at any time by emailing inquiries@clearpathconsumergroup.com with the subject line "Unsubscribe" or by following the unsubscribe instructions in any marketing email.
• Request Access: You may request to know what personal information we have collected about you and the categories of third parties with whom it has been shared.
• Request Deletion: You may request that we delete your personal information from our active systems, subject to certain legal exceptions (e.g., record-keeping obligations, fraud prevention).
• Request Correction: You may request that we correct inaccurate personal information we hold about you.
• Opt Out of Data Sharing/Sale: You may request that we stop sharing or selling your personal information with new partners going forward. Please note that information already shared with partners prior to your request is subject to their own privacy policies and practices.

To exercise any of these rights, please contact us using the information in Section 10 below. We will respond to verifiable requests within the timeframe required by applicable law.

5. Data Retention

We retain your personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, to comply with our legal obligations, resolve disputes, enforce our agreements, and as permitted by applicable law. When your information is no longer needed, we will securely delete or anonymize it in accordance with our data retention policies.

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic, usage patterns, and user behavior
• Measure the effectiveness of our marketing campaigns and advertising efforts
• Provide a better, more personalized browsing experience
• Facilitate retargeting and interest-based advertising

You can control cookies through your browser settings. Most modern browsers allow you to block or delete cookies, though doing so may affect your experience on our Site and limit certain functionality.

We may also use third-party analytics and advertising tools (such as Google Analytics, Facebook Pixel, and similar services) that collect information about your use of our website. These tools use cookies and similar technologies to help us understand how visitors interact with our Site and to deliver targeted advertisements.

7. Data Security

We implement reasonable and appropriate administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include encryption of data in transit (SSL/TLS), access controls, employee training, and regular security assessments. However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

8. Third-Party Links

Our website may contain links to third-party websites, applications, or services. We are not responsible for the privacy practices, data collection methods, or content of these third-party sites. This Privacy Policy applies solely to information collected by Clear Path Consumer Group. We encourage you to review the privacy policies of any third-party websites you visit.

9. Children's Privacy

Our Services are not directed to, and we do not knowingly collect personal information from, individuals under the age of 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately at the address below and we will take prompt steps to delete such information from our systems.

10. Contact Us

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how your information is handled, please contact us:

• Clear Path Consumer Group
• Address: 600 West Peachtree St. NW, #1700, Atlanta, GA 30308
• Email: inquiries@clearpathconsumergroup.com
• Phone: (830) 253-0546

11. Georgia Residents

If you are a Georgia resident, you may have certain rights under the Georgia Personal Data Protection Act. To exercise your data privacy rights, please contact us at inquiries@clearpathconsumergroup.com with the subject line "Georgia Privacy Request."

12. California Residents (CCPA/CPRA)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), including:

• The right to know what personal information is collected, used, shared, or sold
• The right to delete personal information held by us and our service providers
• The right to opt out of the sale or sharing of personal information
• The right to correct inaccurate personal information
• The right to limit the use and disclosure of sensitive personal information
• The right to non-discrimination for exercising your privacy rights

To submit a CCPA/CPRA request, please email us at inquiries@clearpathconsumergroup.com with the subject line "California Privacy Request." We will verify your identity before processing your request and will respond within the timeframe required by applicable law.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, technology, legal requirements, or for other operational reasons. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically. Your continued use of the Site or Services after any changes constitutes your acceptance of the updated Privacy Policy.